Mortality Charge for AEGON Religare Rising Star Plan

Mortality Charge for AEGON Religare Rising Star Plan

Mortality Charge per annum per unit of sum at risk*:

Age (last birthday)	Male	Female	Age (last birthday)	Male	Female
18	0.000893	0.000757	47	0.003828	0.002822
19	0.000931	0.000806	48	0.004257	0.003110
20	0.000965	0.000851	49	0.004732	0.003446
21	0.000996	0.000893	50	0.005255	0.003828
22	0.001023	0.000931	51	0.005824	0.004257
23	0.001046	0.000965	52	0.006441	0.004732
24	0.001066	0.000996	53	0.007104	0.005255
25	0.001083	0.001023	54	0.007814	0.005824
26	0.001095	0.001046	55	0.008571	0.006441
27	0.001104	0.001066	56	0.009370	0.007104
28	0.001110	0.001083	57	0.010127	0.007814
29	0.001112	0.001095	58	0.010914	0.008571
30	0.001112	0.001104	59	0.011886	0.009370
31	0.001127	0.001110	60	0.013045	0.010127
32	0.001162	0.001112	61	0.014390	0.010914
33	0.001213	0.001112	62	0.015920	0.011886
34	0.001280	0.001127	63	0.017636	0.013045
35	0.001363	0.001162	64	0.019537	0.014390
36	0.001461	0.001213	65	0.021061	0.015920
37	0.001574	0.001280	66	0.022962	0.017636
38	0.001703	0.001363	67	0.025859	0.019537
39	0.001861	0.001461	68	0.029068	0.021061
40	0.002043	0.001574	69	0.032616	0.022962
41	0.002216	0.001112	70	0.036536	0.025859
42	0.002385	0.001127	71	0.040857	0.029068
43	0.002581	0.001162	72	0.045615	0.032616
44	0.002822	0.002216	73	0.050845	0.036536
45	0.003110	0.002385	74	0.056588	0.040857
46	0.003446	0.002581	75	0.062882	0.045615

*Sum at risk = Maximum of Sum Assured or 105% of all premiums paid to date including top-up premiums.

Mortality charge for Premium Waiver Benefit: Annual rates per thousand of annual premium of base plan

Entry Age	10	11	12	13	14	15	16	17	18	19	20	21	22	23	24	25
18	3.8	4.2	4.61	5.01	5.4	5.77	6.14	6.5	6.84	7.18	7.5	7.82	8.12	8.41	8.69	8.96
19	3.92	4.34	4.75	5.16	5.56	5.94	6.32	6.68	7.03	7.38	7.71	8.03	8.34	8.64	8.93	9.2
20	4.03	4.46	4.88	5.29	5.7	6.09	6.47	6.84	7.2	7.56	7.9	8.23	8.54	8.85	9.15	9.43
21	4.12	4.56	4.98	5.41	5.82	6.21	6.61	6.99	7.36	7.72	8.07	8.41	8.73	9.05	9.35	9.65
22	4.2	4.64	5.08	5.51	5.92	6.33	6.73	7.12	7.5	7.87	8.23	8.57	8.91	9.24	9.55	9.85
23	4.27	4.72	5.16	5.59	6.02	6.43	6.84	7.24	7.63	8.01	8.38	8.73	9.09	9.42	9.75	10.06
24	4.33	4.78	5.23	5.67	6.1	6.53	6.95	7.36	7.76	8.14	8.53	8.9	9.26	9.61	9.94	10.27
25	4.37	4.84	5.29	5.74	6.18	6.62	7.05	7.47	7.89	8.29	8.68	9.07	9.44	9.81	10.16	10.53
26	4.41	4.89	5.35	5.81	6.27	6.72	7.16	7.6	8.03	8.45	8.86	9.26	9.65	10.04	10.45	10.86
27	4.46	4.94	5.42	5.9	6.37	6.83	7.29	7.75	8.19	8.63	9.06	9.49	9.92	10.36	10.82	11.29
28	4.51	5.01	5.5	6	6.49	6.98	7.46	7.94	8.4	8.87	9.34	9.81	10.29	10.79	11.29	11.8
29	4.59	5.11	5.63	6.15	6.66	7.18	7.68	8.19	8.69	9.2	9.72	10.24	10.77	11.31	11.86	12.42
30	4.72	5.26	5.81	6.36	6.91	7.45	7.99	8.54	9.09	9.64	10.21	10.77	11.36	11.95	12.55	13.16
31	4.91	5.49	6.07	6.66	7.24	7.83	8.41	9.01	9.61	10.21	10.82	11.45	12.08	12.74	13.4	14.07
32	5.17	5.79	6.41	7.05	7.67	8.31	8.95	9.59	10.25	10.9	11.57	12.26	12.96	13.68	14.4	15.15
33	5.5	6.16	6.83	7.52	8.2	8.89	9.58	10.29	11	11.71	12.46	13.21	13.98	14.77	15.57	16.38
34	5.88	6.6	7.33	8.07	8.82	9.57	10.32	11.09	11.87	12.66	13.48	14.31	15.16	16.02	16.9	17.79
35	6.34	7.12	7.91	8.72	9.53	10.34	11.16	12	12.86	13.74	14.64	15.56	16.5	17.45	18.41	19.39
36	6.86	7.71	8.57	9.45	10.33	11.22	12.12	13.05	14	14.96	15.96	16.97	18	19.05	20.1	21.17
37	7.44	8.37	9.31	10.26	11.23	12.21	13.21	14.23	15.28	16.35	17.45	18.56	19.69	20.83	21.99	23.16
38	8.1	9.11	10.14	11.18	12.24	13.32	14.43	15.56	16.71	17.9	19.11	20.33	21.57	22.82	24.09	25.36
39	8.83	9.93	11.06	12.21	13.38	14.57	15.8	17.05	18.32	19.63	20.96	22.31	23.67	25.04	26.42	27.81
40	9.63	10.84	12.08	13.35	14.64	15.97	17.32	18.7	20.11	21.55	23.01	24.49	25.97	27.47	28.98	30.5
41	10.49	11.83	13.2	14.6	16.03	17.5	18.99	20.52	22.07	23.65	25.25	26.87	28.49	30.13	31.78	33.45
42	11.47	12.95	14.47	16.01	17.6	19.22	20.87	22.55	24.25	25.99	27.74	29.5	31.27	33.07	34.88	36.71
43	12.6	14.24	15.92	17.64	19.39	21.18	23	24.84	26.71	28.61	30.52	32.45	34.4	36.36	38.35	40.36
44	13.92	15.74	17.6	19.5	21.44	23.4	25.41	27.43	29.49	31.56	33.64	35.75	37.89	40.05	42.23	44.43
45	15.43	17.44	19.5	21.6	23.73	25.9	28.1	30.32	32.57	34.83	37.1	39.42	41.77	44.14	46.52	48.92
46	17.12	19.35	21.62	23.93	26.28	28.66	31.07	33.51	35.95	38.43	40.92	43.47	46.04	48.64	51.24	53.87
47	19	21.46	23.97	26.51	29.09	31.7	34.33	36.98	39.66	42.37	45.11	47.9	50.73	53.56	56.4	59.27
48	21.07	23.78	26.53	29.32	32.14	35	37.87	40.76	43.7	46.67	49.68	52.75	55.83	58.92	62.03	65.12
49	23.32	26.29	29.31	32.36	35.46	38.57	41.71	44.87	48.1	51.35	54.66	58	61.36	64.75	68.11	71.4
50	25.75	29.01	32.31	35.65	39.03	42.43	45.86	49.33	52.86	56.44	60.06	63.7	67.37	71.03	74.61	74.65
51	28.36	31.92	35.54	39.19	42.87	46.59	50.34	54.15	58.03	61.95	65.89	69.87	73.84	77.75	77.97	-
52	31.15	35.05	39	42.99	47.01	51.08	55.19	59.38	63.64	67.9	72.18	76.5	80.75	81.22	-	-
53	34.13	38.39	42.7	47.06	51.47	55.92	60.44	65.05	69.67	74.3	78.98	83.6	84.33	-	-	-
54	37.3	41.96	46.68	51.45	56.29	61.18	66.16	71.16	76.17	81.23	86.24	87.26	-	-	-	-
55	40.71	45.81	50.98	56.21	61.52	66.89	72.32	77.73	83.21	88.63	89.98	-	-	-	-	-
56	44.39	49.97	55.64	61.39	67.22	73.09	78.95	84.85	90.73	92.43	-	-	-	-	-	-
57	48.4	54.51	60.74	67.05	73.41	79.75	86.12	92.49	94.59	-	-	-	-	-	-	-
58	52.92	59.66	66.49	73.37	80.23	87.11	93.99	96.41	-	-	-	-	-	-	-	-
59	58.16	65.56	73	80.42	87.84	95.28	98.12	-	-	-	-	-	-	-	-	-
60	60.96	68.69	76.42	84.1	91.85	99.54	-	-	-	-	-	-	-	-	-	-

Note: The applicable service tax and education cess will be deducted in addition to the above charges

Mortality charge for Income Benefit: Annual rates per thousand of annual premium of base plan

Entry Age	10	11	12	13	14	15	16	17	18	19	20	21	22	23	24	25
18	3.8	4.2	4.61	5.01	5.4	5.77	6.14	6.5	6.84	7.18	7.5	7.82	8.12	8.41	8.69	8.96
19	3.92	4.34	4.75	5.16	5.56	5.94	6.32	6.68	7.03	7.38	7.71	8.03	8.34	8.64	8.93	9.2
20	4.03	4.46	4.88	5.29	5.7	6.09	6.47	6.84	7.2	7.56	7.9	8.23	8.54	8.85	9.15	9.43
21	4.12	4.56	4.98	5.41	5.82	6.21	6.61	6.99	7.36	7.72	8.07	8.41	8.73	9.05	9.35	9.65
22	4.2	4.64	5.08	5.51	5.92	6.33	6.73	7.12	7.5	7.87	8.23	8.57	8.91	9.24	9.55	9.85
23	4.27	4.72	5.16	5.59	6.02	6.43	6.84	7.24	7.63	8.01	8.38	8.73	9.09	9.42	9.75	10.06
24	4.33	4.78	5.23	5.67	6.1	6.53	6.95	7.36	7.76	8.14	8.53	8.9	9.26	9.61	9.94	10.27
25	4.37	4.84	5.29	5.74	6.18	6.62	7.05	7.47	7.89	8.29	8.68	9.07	9.44	9.81	10.16	10.53
26	4.41	4.89	5.35	5.81	6.27	6.72	7.16	7.6	8.03	8.45	8.86	9.26	9.65	10.04	10.45	10.86
27	4.46	4.94	5.42	5.9	6.37	6.83	7.29	7.75	8.19	8.63	9.06	9.49	9.92	10.36	10.82	11.29
28	4.51	5.01	5.5	6	6.49	6.98	7.46	7.94	8.4	8.87	9.34	9.81	10.29	10.79	11.29	11.8
29	4.59	5.11	5.63	6.15	6.66	7.18	7.68	8.19	8.69	9.2	9.72	10.24	10.77	11.31	11.86	12.42
30	4.72	5.26	5.81	6.36	6.91	7.45	7.99	8.54	9.09	9.64	10.21	10.77	11.36	11.95	12.55	13.16
31	4.91	5.49	6.07	6.66	7.24	7.83	8.41	9.01	9.61	10.21	10.82	11.45	12.08	12.74	13.4	14.07
32	5.17	5.79	6.41	7.05	7.67	8.31	8.95	9.59	10.25	10.9	11.57	12.26	12.96	13.68	14.4	15.15
33	5.5	6.16	6.83	7.52	8.2	8.89	9.58	10.29	11	11.71	12.46	13.21	13.98	14.77	15.57	16.38
34	5.88	6.6	7.33	8.07	8.82	9.57	10.32	11.09	11.87	12.66	13.48	14.31	15.16	16.02	16.9	17.79
35	6.34	7.12	7.91	8.72	9.53	10.34	11.16	12	12.86	13.74	14.64	15.56	16.5	17.45	18.41	19.39
36	6.86	7.71	8.57	9.45	10.33	11.22	12.12	13.05	14	14.96	15.96	16.97	18	19.05	20.1	21.17
37	7.44	8.37	9.31	10.26	11.23	12.21	13.21	14.23	15.28	16.35	17.45	18.56	19.69	20.83	21.99	23.16
38	8.1	9.11	10.14	11.18	12.24	13.32	14.43	15.56	16.71	17.9	19.11	20.33	21.57	22.82	24.09	25.36
39	8.83	9.93	11.06	12.21	13.38	14.57	15.8	17.05	18.32	19.63	20.96	22.31	23.67	25.04	26.42	27.81
40	9.63	10.84	12.08	13.35	14.64	15.97	17.32	18.7	20.11	21.55	23.01	24.49	25.97	27.47	28.98	30.5
41	10.49	11.83	13.2	14.6	16.03	17.5	18.99	20.52	22.07	23.65	25.25	26.87	28.49	30.13	31.78	33.45
42	11.47	12.95	14.47	16.01	17.6	19.22	20.87	22.55	24.25	25.99	27.74	29.5	31.27	33.07	34.88	36.71
43	12.6	14.24	15.92	17.64	19.39	21.18	23	24.84	26.71	28.61	30.52	32.45	34.4	36.36	38.35	40.36
44	13.92	15.74	17.6	19.5	21.44	23.4	25.41	27.43	29.49	31.56	33.64	35.75	37.89	40.05	42.23	44.43
45	15.43	17.44	19.5	21.6	23.73	25.9	28.1	30.32	32.57	34.83	37.1	39.42	41.77	44.14	46.52	48.92
46	17.12	19.35	21.62	23.93	26.28	28.66	31.07	33.51	35.95	38.43	40.92	43.47	46.04	48.64	51.24	53.87
47	19	21.46	23.97	26.51	29.09	31.7	34.33	36.98	39.66	42.37	45.11	47.9	50.73	53.56	56.4	59.27
48	21.07	23.78	26.53	29.32	32.14	35	37.87	40.76	43.7	46.67	49.68	52.75	55.83	58.92	62.03	65.12
49	23.32	26.29	29.31	32.36	35.46	38.57	41.71	44.87	48.1	51.35	54.66	58	61.36	64.75	68.11	71.4
50	25.75	29.01	32.31	35.65	39.03	42.43	45.86	49.33	52.86	56.44	60.06	63.7	67.37	71.03	74.61	74.65
51	28.36	31.92	35.54	39.19	42.87	46.59	50.34	54.15	58.03	61.95	65.89	69.87	73.84	77.75	77.97	-
52	31.15	35.05	39	42.99	47.01	51.08	55.19	59.38	63.64	67.9	72.18	76.5	80.75	81.22	-	-
53	34.13	38.39	42.7	47.06	51.47	55.92	60.44	65.05	69.67	74.3	78.98	83.6	84.33	-	-	-
54	37.3	41.96	46.68	51.45	56.29	61.18	66.16	71.16	76.17	81.23	86.24	87.26	-	-	-	-
55	40.71	45.81	50.98	56.21	61.52	66.89	72.32	77.73	83.21	88.63	89.98	-	-	-	-	-
56	44.39	49.97	55.64	61.39	67.22	73.09	78.95	84.85	90.73	92.43	-	-	-	-	-	-
57	48.4	54.51	60.74	67.05	73.41	79.75	86.12	92.49	94.59	-	-	-	-	-	-	-
58	52.92	59.66	66.49	73.37	80.23	87.11	93.99	96.41	-	-	-	-	-	-	-	-
59	58.16	65.56	73	80.42	87.84	95.28	98.12	-	-	-	-	-	-	-	-	-
60	60.96	68.69	76.42	84.1	91.85	99.54	-	-	-	-	-	-	-	-	-	-

Note: The applicable service tax and education cess will be deducted in addition to the above charges